3. Did I max out my IRA last Year? There's still time.

New Year's Day has come and gone, but there's still time to play catchup on last year's savings goal. If you weren't able to contribute to your IRA in 2016 (or simply forgot), but have the financial means to do so now -- you're in luck.

You get an extra three months (or until you file your 2016 taxes) to contribute up to the cap for your Traditional, Roth or SEP IRA, said Megan Gorman, Managing Partner at Chequers Financial Management.

If you've already hit the limit in 2016, you can continue to contribute to your IRA and it will count toward the 2017 tax year.

You don't, however, get an extra three months to contribute up to the $18,000 max for your 401(k). Any money you contribute in the new year will automatically count towards your 2017 limit.

But sometimes your balance can get out of whack if particular stocks did better than others over the past year.

Nichols says a good rule of thumb is to rebalance your portfolio if any of your buckets are off by more than 5%.

If, for example, you're goal was to have 25% of your portfolio in international stocks and now they take up more than 30%, you might want to make a change. To get back to your original plan, you can either contribute less of your money to international stocks this year, or sell some and buy more of whatever bucket in your portfolio fell in value last year.

What is your biggest personal finance hurdle in the new year? Share your story with Katie.Lobosco@cnn.com and you could be featured in an upcoming CNNMoney article.